Median Income
$69,327
8% lower than US avg
Home Value
$189,700
33% lower than US avg
Bachelor's+
25.4%
25% lower than US avg
Median Rent
$854
27% lower than US avg
Obesity Rate
37.8%
18% higher than US avg
Unemployment
1.6%
56% lower than US avg
Poverty Rate
1.9%
85% lower than US avg
How Larchwood Compares to the U.S. Average (100% = U.S. avg)
People
Population1,076
Median Age34.3 yrs
Density1,035/mi²
Male / Female52% / 48%
Largest GroupWhite 93%
Veterans7.0%
Economy
A
Median Income$69,327
Per Capita$34,668
Unemployment1.6%
Poverty1.9%
County GDP$1,425M
Commute27 min
Housing
A+
Home Value$189,700
Rent$854
Ownership79.9%
Zillow$352,605
Housing Units420
Rent Burden24.9%
Health
Obesity37.8%
Uninsured3.6%
Smoking15.1%
Depression20.7%
Heart Disease5.1%
Climate
Avg Temp47°F (9°C)
Rain27.8 in/yr
Elevation1,467 ft (447 m)
Education
B
Bachelor's+25.4%
High School+93.7%
Graduate+3.6%
School Score6.18
Community
2024 VoteR 84% / D 15%
Commute27 min
Broadband90.1%
EV Stations1
Libraries6
Is Larchwood a Good Place to Live?
Based on current data, Larchwood receives an overall livability score of 4.1 out of 5.0, earning a grade of A. Key strengths include low unemployment, affordable housing, a low poverty rate, high health insurance coverage. Larchwood stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Larchwood is $69,327, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 1.6%. Only 1.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 27 minutes.
Cost of Living & Housing
The median home value in Larchwood is $189,700, 33% below the national median / offering relatively affordable homeownership. Renters pay a median of $854 per month, below the national average / a plus for affordability. At just 2.7x median income, home prices are very affordable relative to local earnings.
Education
25.4% of residents hold a bachelor's degree, below the national average of 33.7%. 93.7% have completed high school. Local schools score 6.2/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Larchwood experiences four distinct seasons with an average temperature of 47°F. Winters average 18°F in January while summers reach 74°F in July. Annual precipitation totals 27.8 inches, including 45.3 inches of snow.
Larchwood has a population of 1,076 with a density of 1,035 people per square mile, spread across 1.0 square miles. The median age is 34.3 years, 12% younger than the national median of 38.9. The gender split is 48% female and 52% male. The city is predominantly White (93%), with 4.7% Hispanic. English is the primary language spoken at home by 96.1% of residents. 7.0% of the population are veterans. 9.3% of residents have a disability (below the 13.0% national average). 96.4% have health insurance coverage.
Population
1,076
Total Population
2023 Census
34.3yrs
Median Age
12% below US avg
Race & Ethnicity
Larchwood vs U.S. Average
Language Spoken at Home
English Only
96.1%
22% above US avg
Spanish
2.9%
78% below US avg
Social Characteristics
Larchwood vs U.S. Average
The median household income in Larchwood is $69,327, which is 8% below the national average of $75,149. Per capita income is $34,668 (below the $39,052 national figure). The average weekly wage is $956, 33% lower than the U.S. average. The unemployment rate is 1.6% (below the 3.6% US average). 1.9% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 553 business establishments, including 24 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 27 minutes. 5.6% of workers work from home (below the 15.2% national rate).
Income: Larchwood vs U.S.
Income
| Median HH Income | $69,327 |
| 8% below US avg |
| Per Capita Income | $34,668 |
| Avg Weekly Wage | $956 |
| IRS Avg AGI | $84,809 |
| Gini Index | 0.388 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.6% |
| 56% below US avg |
| Poverty Rate | 1.9% |
| 85% below US avg |
| Establishments (County) | 553 |
| County GDP | $1,425M |
Business (County)
| Restaurants | 24 |
| Healthcare | 26 |
| Retail | 48 |
| Manufacturing | 27 |
Tax & Cost of Living
| Property Tax (IRS) | $4,342 |
| 24% above US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 2.29% |
Commute & Transportation
| Commute Time | 26.6 min |
| Drive Alone | 78.8% |
| Public Transit | 0.0% |
| Work from Home | 5.6% |
The median home value in Larchwood is $189,700, 33% below the national median of $281,900. Zillow estimates the typical home value at $352,605, higher than the Census estimate. Monthly rent averages $854 (27% below the national average of $1,163). Fair market rent ranges from $788 for a one-bedroom to $989 for a two-bedroom apartment. 79.9% of housing units are owner-occupied (above the 65.4% national rate). There are 420 total housing units in the city. The median year a home was built is 1970. The average annual property tax is $4,342 (higher than the $3,500 national average). 24.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.7x, well within the affordable range.
Home Values
| Census Median | $189,700 |
| 33% below US avg |
| Zillow ZHVI | $352,605 |
Rental Costs
| Census Median Rent | $854 |
| 27% below US avg |
| Rent Burden | 24.9% |
HUD Fair Market Rent
| Studio | $738 |
| 1 Bedroom | $788 |
| 2 Bedrooms | $989 |
| 3 Bedrooms | $1,282 |
| 4 Bedrooms | $1,420 |
Ownership & Property
| Homeownership | 79.9% |
| Owner-Occupied | 79.9% |
| Renter-Occupied | 20.1% |
| Housing Units | 420 |
| Median Year Built | 1970 |
Property Tax
| Avg Tax (IRS) | $4,342 |
| 24% above US avg |
| Effective Rate | 2.29% |
In Larchwood, 37.8% of adults are obese, above the national rate of 32.1%. 8.8% have diabetes (below the 10.5% national rate). Heart disease affects 5.1% of residents. 30.0% have high blood pressure. 15.1% are current smokers. 24.3% report binge drinking. 22.9% are physically inactive. 20.7% report depression. 17.5% experience frequent mental distress. 3.6% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:3,003. The dentist ratio is 1:2,436. 53.1% of residents have access to exercise opportunities. The food environment index is 9.5 out of 10.
Health Metrics: Larchwood vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.8% |
| 18% above US avg |
| Diabetes | 8.8% |
| Heart Disease | 5.1% |
| High Blood Pressure | 30.0% |
| Asthma | 9.9% |
| COPD | 5.6% |
| Cancer | 7.5% |
| Stroke | 2.6% |
Behaviors & Mental Health
| Smoking | 15.1% |
| 8% above US avg |
| Binge Drinking | 24.3% |
| Physical Inactivity | 22.9% |
| Depression | 20.7% |
| Mental Distress | 17.5% |
| Physical Distress | 11.6% |
| Short Sleep | 30.9% |
Healthcare Access
| Insurance Rate | 96.4% |
| Uninsured | 3.6% |
| 58% below US avg |
| Primary Care | 1:3,003 |
| Dentists | 1:2,436 |
| Mental Health | 1:6,162 |
| Checkup Rate | 74.8% |
| Dental Visits | 71.6% |
| Premature Death | 4,025/100K |
Food & Exercise
| Food Environment | 9.5/10 |
| Exercise Access | 53.1% |
| Healthcare Facilities | 26 |
Larchwood experiences four distinct seasons with an average annual temperature of 47°F (9°C). Winters average 18°F in January while summers reach 74°F in July. Annual precipitation totals 27.8 inches (drier than the 38-inch national average). The area receives 45.3 inches of snow annually, making winter weather a significant factor for residents. The city sits at an elevation of 1,467 feet.
Temperature
18°F Jan (-8°C)
74°F Jul (24°C)
| Annual Average | 47.4°F |
| 12% below US avg |
| January Average | 18°F (-8°C) |
| July Average | 74°F (24°C) |
Geography
| Elevation | 1,467 ft (447 m) |
| Area | 1.0 sq mi (2.6 km²) |
| Population Density | 1,035/sq mi |
| Coordinates | 43.4546°N, 96.4363°W |
| Timezone | America/Chicago |
| County | Lyon County County |
| Nearest Airport | Joe Foss Field (FSD)
18 miles away |
Precipitation & Snow
Annual Rainfall
27.8"
27% below US avg
Wettest Month (Jun)
4.23"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 19.2 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 79.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Very Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
4 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.6. Most recent: M2.5 on Mar 6, 2024.
| Feb 6, 1996 |
1 km N of Wausa, Nebraska |
M3.6 |
138 km |
| Jan 4, 2021 |
5 km N of Tyndall, South Dakota |
M3.1 |
124 km |
| Jun 30, 2021 |
4 km E of Rembrandt, Iowa |
M2.7 |
129 km |
| Mar 6, 2024 |
6 km SSE of Santee, Nebraska |
M2.5 |
134 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
641 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 15 fatalities, 285 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 16, 1992 |
EF5 |
51 km |
1 |
| Jun 13, 1968 |
EF5 |
97 km |
9 |
| Jun 25, 2010 |
EF4 |
39 km |
0 |
| Mar 29, 1998 |
EF4 |
91 km |
1 |
| Jun 7, 1993 |
EF4 |
83 km |
0 |
| Jun 7, 1993 |
EF4 |
49 km |
0 |
| Jun 16, 1992 |
EF4 |
70 km |
0 |
| Jul 28, 1986 |
EF4 |
96 km |
0 |
| Jun 7, 1965 |
EF4 |
72 km |
1 |
| Jun 23, 1952 |
EF4 |
92 km |
0 |
| Aug 7, 1994 |
EF3 |
47 km |
0 |
| Jun 7, 1993 |
EF3 |
78 km |
0 |
| Jun 7, 1993 |
EF3 |
64 km |
0 |
| Jun 7, 1993 |
EF3 |
74 km |
0 |
| May 7, 1993 |
EF3 |
72 km |
0 |
| Jun 16, 1992 |
EF3 |
87 km |
0 |
| Apr 20, 1985 |
EF3 |
56 km |
0 |
| Aug 3, 1981 |
EF3 |
61 km |
0 |
| Jul 5, 1978 |
EF3 |
31 km |
0 |
| Oct 1, 1971 |
EF3 |
91 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
18°F (-8°C) |
0.6 in |
Coldest, Driest |
| February |
22°F (-5°C) |
0.8 in |
|
| March |
35°F (2°C) |
1.6 in |
|
| April |
47°F (8°C) |
3.0 in |
|
| May |
59°F (15°C) |
3.9 in |
|
| June |
70°F (21°C) |
4.2 in |
Wettest |
| July |
74°F (24°C) |
3.3 in |
Warmest |
| August |
72°F (22°C) |
3.3 in |
|
| September |
64°F (18°C) |
2.7 in |
|
| October |
50°F (10°C) |
2.4 in |
|
| November |
35°F (2°C) |
1.2 in |
|
| December |
23°F (-5°C) |
0.8 in |
|
Larchwood has a seasonal temperature swing of 57°F / from 18°F in January to 74°F in July. Total annual precipitation is 27.9 inches, with June being the wettest month (4.2") and January the driest (0.6").
Average costs for common services in Larchwood. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132-$351) |
| Specialist Visit |
$307 ($176-$483) |
| Urgent Care Visit |
$176 ($88-$307) |
| Emergency Room Visit |
$1,932 ($702-$4,390) |
| Dental Cleaning |
$114 ($66-$176) |
| Dental Filling |
$220 ($132-$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22-$66) |
| Oil Change (Synthetic) |
$66 ($44-$105) |
| Brake Pad Replacement |
$263 ($132-$439) |
| Tire Rotation |
$35 ($18-$66) |
| New Tires (Set of 4) |
$527 ($351-$878) |
| Battery Replacement |
$176 ($88-$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53-$132) |
| Electrician (Per Hour) |
$79 ($44-$123) |
| HVAC Repair |
$351 ($132-$702) |
| HVAC System Install |
$6,146 ($3,512-$10,536) |
| Roof Repair |
$878 ($351-$1,756) |
| Roof Replacement |
$7,902 ($4,829-$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439-$3,073) |
| Divorce (Contested) |
$13,170 ($4,390-$26,340) |
| DUI Defense |
$4,390 ($1,756-$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702-$2,634) |
| Will Preparation |
$439 ($176-$878) |
| Trust Preparation |
$2,195 ($878-$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13-$40) |
| Women's Haircut |
$48 ($26-$88) |
| Hair Coloring (Full) |
$132 ($66-$220) |
| Manicure |
$22 ($13-$40) |
| Pedicure |
$35 ($22-$57) |
| Massage (1 Hour) |
$70 ($44-$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63-$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20-$4.39) |
| Loaf of Bread |
$3.34 ($2.20-$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63-$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51-$6.59) |
| Rice (per lb) |
$0.88 ($0.53-$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70-$220) |
| Natural Gas (Monthly) |
$61 ($26-$132) |
| Water/Sewer (Monthly) |
$61 ($35-$105) |
| Internet (Monthly) |
$61 ($35-$88) |
| Cell Phone Plan (Monthly) |
$57 ($26-$88) |
| Cable TV (Monthly) |
$75 ($44-$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66-$439) |
| Car Insurance (Annual) |
$1,756 ($1,054-$3,073) |
| Bus Pass (Monthly) |
$61 ($26-$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02-$22) |
| Car Registration (Annual) |
$88 ($26-$220) |
| Driver's License Renewal |
$26 ($13-$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527-$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439-$1,756) |
| After-School Care (Monthly) |
$351 ($176-$615) |
| Tutoring (Per Hour) |
$44 ($22-$88) |
| SAT/ACT Prep Course |
$878 ($351-$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390-$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26-$88) |
| Dog Vaccination (Annual) |
$88 ($44-$176) |
| Dog Grooming |
$53 ($26-$88) |
| Pet Boarding (Per Night) |
$35 ($18-$66) |
| Dog Spay/Neuter |
$263 ($132-$439) |
| Cat Spay/Neuter |
$176 ($88-$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $707 |
| Toddler | $609 |
| Preschool | $609 |
| Family Childcare (monthly) |
| Infant | $464 |
| Toddler | $457 |
| Preschool | $457 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Larchwood
What is the population of Larchwood?
Larchwood has a population of 1,076 residents and is located in Iowa. The population density is 1,035 people per square mile, spread across 1.0 square miles. The median age of residents is 34.3 years, which is younger than the national median of 38.9 years. The population is 48% female and 52% male.
Is Larchwood expensive to live in?
Larchwood is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $69,327, 8% below the national average of $75,149. The median home value is $189,700 (33% below the U.S. median). Renters pay a median of $854 per month, below the national average of $1,163. The home price-to-income ratio is 2.7x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Larchwood?
Larchwood has a four-season climate with an average annual temperature of 47°F (9°C). Winter temperatures average 18°F in January, while summers reach an average of 74°F in July. Annual rainfall totals 27.8 inches, with 45.3 inches of snow.
How is the job market in Larchwood?
The job market in Larchwood is very strong, with unemployment at just 1.6% / well below the national rate of 3.6%. The average weekly wage is $956. There are 553 business establishments in the area, including 24 restaurants and food service locations. The average commute time is 27 minutes, and 5.6% of workers work from home.
How much does housing cost in Larchwood?
The median home value in Larchwood is $189,700. Zillow estimates the typical home value at $352,605. For renters, the median monthly rent is $854. Fair market rent is $788 for a 1-bedroom and $989 for a 2-bedroom apartment. The homeownership rate is 79.9%. The average annual property tax is $4,342.
How are the schools in Larchwood?
Schools in Larchwood score 6.2 out of 10 on standardized testing, near the national average. 25.4% of adults in Larchwood hold a bachelor's degree or higher, below the national average of 33.7%. 93.7% have completed high school. 3.6% hold a graduate or professional degree.
How healthy is Larchwood?
The obesity rate in Larchwood is 37.8% (above the national rate of 32.1%). 15.1% of adults are smokers. 22.9% are physically inactive. 20.7% of residents report depression. 3.6% lack health insurance (below the national rate). 53.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,003.
What is transportation like in Larchwood?
The average commute in Larchwood is 27 minutes. 78.8% of workers drive alone to work, and 5.6% work from home.
What are the demographics of Larchwood?
The racial and ethnic makeup of Larchwood is 93% White, 4.7% Hispanic or Latino, 0.8% Asian. 96.1% of residents speak only English at home. 7.0% of the population are military veterans. 9.3% of residents have a disability. 96.4% have health insurance coverage.